Know Exactly Where
Your Money Stands.
lockRead-only via regulated open banking. Owoye can see your balance — it can never move your money.
- Fidelity Bank
- FCMB
- GTBank
- Access Bank
- Zenith Bank
- UBA
- First Bank
- Kuda
- Moniepoint
- Opay
- Wema Bank
- Sterling Bank
You don't study financial charts all day. Owoye does it for you.
Owoye reads every transaction across your accounts and tells you what's happening, what changed, and what you can actually spend — before you ever look at a graph.
See everything Owoye's insights showarrow_forwardFinancial Insights
Here's what your money is telling you.
You're spending less than you're bringing in.
Money across your accounts
₦12.45M
What you can actually spend
₦10.85M
What Owoye sees
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You're spending less than you're receiving
You received ₦18.6M and spent ₦14.2M over the last 6 months.
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₦1.6M is already committed
The next payment, ₦450K to a supplier, is due in 3 days.
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Your money is spread across 4 banks
GTBank, Zenith, Access and UBA.
What changed?
Your spending is 18% higher this month
Mostly vendor payments, which are ₦720K above your usual level.
Read for you
Plain English first
Every insight is a sentence you understand — not a chart you have to decode.
The numbers underneath
Balances, breakdowns and trends stay one glance away when you want to dig in.
What you can actually spend
Commitments and reserved money already taken out, so the figure is real.
Your cash flow tells a story. Owoye reads it as one number.
A free 0–100 score built from your own bank activity, invoices and customers — not a credit score, and not something lenders pay for. It shows you exactly where your business stands, in a number you can act on.
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Cash runway — How long you can keep running on what you have
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Profitability — Whether you're making more than you spend
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Revenue growth — Whether your income is going up or down
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Getting paid — How fast your customers pay you
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Customer dependence — How exposed you are if one big customer left
Stable
Your business is in good shape.
Up 4 points in 30 days.
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- check_circleProfitability
- warningRevenue growth
- check_circleGetting paid
- check_circleCustomer dependence
Free, updates daily
The problem
You're not bad at business. You're flying blind.
Right now, knowing what you actually have means opening four different bank apps and doing the maths yourself. Knowing who owes you means scrolling back through WhatsApp for an invoice you sent three weeks ago. And knowing if you can afford the next stock order means guessing — because the real numbers live in five different places, and none of them talk to each other.
Owoye puts all five in one place. For free.
Kara AI AssistantAsk Kara anything about your Money.
Kara reads your real transaction data and answers in plain language — on the dashboard, or right inside WhatsApp.
Kara
Everything you need to grow, built into one fast dashboard.
We removed the clutter of juggling four banking apps so you can focus on running the business.
All your banks, one app.
Unified Balance
₦12,450,000.00
Invoicing that chases itself
Send multi-currency invoices with VAT built in, and let Owoye match incoming payments to them automatically — with AI suggestions when it's not 100% sure.
Never lose track of who owes you
Kara flags overdue invoices the moment they're late and can draft a friendly reminder for you to send — right from the dashboard or WhatsApp.
How it works
From four apps to one, in four steps.
Connect your banks
Link GTBank, Access, Zenith, UBA and more in minutes through Mono’s regulated open banking network. Read-only, always.
See it all in one place
One consolidated balance, a live cashflow forecast, and top-customer breakdowns — updated automatically as transactions come in.
Ask Kara anything
On the dashboard or right inside WhatsApp — "who owes me money?", "what did I spend on logistics?" — real answers from your real data.
Send an invoice
Bill clients in Naira, USD, GBP or EUR with VAT built in. Owoye watches your accounts and matches payments the moment they land.
Built for the market Nigerian SMEs actually operate in
40M+
Registered Nigerian SMEs
48%
Of Nigeria's GDP (NBS, 2024)
5 → 1
Tools replaced by one dashboard
Why now
There's no plan that requires you to wait.
You don't need to switch banks, migrate records, or change how you invoice to start. Connect one account today and see your real balance in under two minutes — free, no card required. Every week you put it off is another week of invoices sitting unpaid with nothing chasing them for you.
Pricing
Plans that grow with your business
FAQ
Questions, answered.
Owoye is a personal financial intelligence platform that gives you a clear view of your money across multiple bank accounts — connect your banks, track spending, manage upcoming commitments and reserved money, and know exactly what you can safely spend.
Anyone managing money across more than one bank account — Nigerian SME owners juggling business and personal accounts, freelancers billing clients, and individuals who just want one honest view of where their money stands instead of checking four different banking apps.
Safe to Spend is the amount Owoye estimates you can freely spend right now — your available balance minus upcoming commitments (bills you know are coming) and money you have deliberately reserved for a goal. It answers "how much can I actually spend?", not just "how much do I have?".
Yes — Owoye connects to Nigerian banks (GTBank, Access, Zenith, UBA, and every other major bank supported by Mono) and is built around Naira-first invoicing, with Nigerian SME financial habits in mind from day one.
Yes. We connect through Mono’s regulated open banking infrastructure with read-only access — Owoye can never move money out of your accounts. Every login is protected with two-factor authentication, single-active-session enforcement, and NDPR-compliant data handling.
GTBank, Access, Zenith, UBA, and every other major Nigerian bank supported by Mono. You can connect as many accounts as your plan allows and see one consolidated balance across all of them.
Naira-first, with support for USD, GBP and EUR when you bill international clients. VAT is built into every invoice, and incoming payments are matched automatically regardless of currency.
Yes — link your number once from Settings and message Kara the same way you already message customers and suppliers. Same login, same data, same propose-then-confirm flow as the dashboard, just a different window into it.
Yes. You can create a free account, connect a bank account, and start invoicing with no card required. Paid plans unlock more connected accounts, more invoices, and more from Kara.
Take control of your business finances today.
Connect your accounts, send invoices that get paid faster, and let Kara handle the analysis — built for Nigerian SMEs, from day one.